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Kelson DMD

Tell Us Who You Are

We focus on meeting your investment, insurance, career planning and risk management needs at each stage of your career.



I am a
Student

Whether you are just starting school or have recently graduated and are looking forward to beginning your career, now is the time to prepare for your financial future. Our team is here to start you on the right path towards financial security.

Learn more


I am an
Associate

The launch of your career is an exciting time and we are here to ensure you start off right. From insurance to investment solutions, your financial needs are changing and expanding. We will examine your financial goals and create a plan to ensure you are making the best financial decisions for your future.

Learn more


I am a
Practice
Owner

As your practice grows, so do your financial needs. Safeguarding your business, protecting your family and ensuring your retirement needs are on track are all top of mind. We are here to ensure your financial strategy expands in line with your business.

Learn more


I am
Retired/
Retiring

Whether approaching retirement or already retired, it is an exciting new time. Your focus has likely shifted to succession planning, maintaining your current lifestyle and leaving a legacy to your loved ones. From advanced tax strategies to changing insurance and investments needs, we can help ensure a smooth transition to this exciting new chapter.

Learn more

student

STUDENTS

Whether you are just starting school or have recently graduated and are looking forward to beginning your career, now is the time to prepare for your financial future. Our team is here to start you on the right path towards financial security.

Insurance Solutions

At every age and stage of your career it is important to protect yourself with the right insurance solutions. Your most valuable asset is you and the investment you are making in yourself and in your future should be made when you are young and healthy. Your insurance can be renewed and enhanced throughout your career and into retirement. Our insurance solutions can help you prepare for whatever lies ahead.

DISABILITY INSURANCE

As a student, you have monthly expenses to pay. If you are required to take a medical leave from school, disability insurance can relieve some of the financial burden. Adding a “Future Insurance Option” to your policy means you can increase your coverage during your career without medical underwriting and lock-in savings.

LIFE INSURANCE

Term Insurance is an affordable and practical insurance solution that helps cover the financial needs of your family, for debts such as student loans that could be passed on to relatives in the unthinkable event of your death. It will also help you to guarantee a future practice loan, which you may need when you begin your career.


Investment Solutions

It is our goal to help you grow and protect your wealth and the earlier you start, the better off you will be in the longterm. We build portfolios based on the science of capital markets and decades of research. A strong belief in markets frees us to think differently about investing. Advances in research and technology inform our investment strategies and keep us responsive to evolving markets and client needs. This includes;

  • Defining your investment objectives and implementing the appropriate asset allocation
  • Creating your Investment Policy Statement and managing your portfolio within its guidelines
  • Monitoring your performance and adjusting your allocations as necessary

Call us today and get a head start

associate

ASSOCIATES

The launch of your career is an exciting time and we are here to ensure you start off right. From insurance to investment solutions, your financial needs are changing and expanding. We will examine your financial goals and create a plan to ensure you are making the best financial decisions for your future.

Insurance Solutions

As an associate, your current and future income potential must be protected. From disability to malpractice insurance, we will work with you create a customized insurance plan to safeguard both your career and your personal needs.

LIFE INSURANCE

As you begin your career, you have the potential for strong income growth that must be protected. PAR Insurance ensures the tax-advantaged growth of your estate and reduces your estate’s tax expense. It can also give you access to liquidity from your cash surrender value to use to build your business or for extra retirement income.

DISABILITY INSURANCE

Disability insurance protects both your lifestyle and your earning potential in the case of illness or injury that prevents you from working. High student loan debt and high earnings potential make for the perfect scenario for disability insurance because you have a lot to protect. There are many different options available.

CRITICAL ILLNESS

Critical Illness coverage offers a one-time, tax-free disbursement if you are diagnosed with one of the serious illnesses listed in your policy. Most policies include over two dozen illnesses, but the most common are heart attack, stroke and life-threatening cancers. A policy can provide substantial financial protection while allowing you to continue working.

Investment Solutions

You are now earning money and it is our goal to help you grow and protect your wealth. We build portfolios based on the science of capital markets and decades of research. A strong belief in markets frees us to think differently about investing. Advances in research and technology inform our investment strategies and keep us responsive to evolving markets and client needs. This includes;

  • Defining your investment objectives and implementing the appropriate asset allocation
  • Creating your Investment Policy Statement and managing your portfolio within its guidelines
  • Monitoring your performance and adjusting your allocations as necessary

Call us today to take action

practice owner

PRACTICE OWNERS

As your practice grows, so do your financial needs. Safeguarding your business, protecting your family and ensuring your retirement needs are on track are all top of mind. We are here to ensure your financial strategy expands in line with your business.

Insurance Solutions

Now that you are a practice owner you will have new and more complex insurance requirements. Your practice will likely be your most valuable asset and in the event of unforeseen circumstances you want to protect it. Our custom plans will ensure every aspect of your business is safeguarded.

DISABILITY INSURANCE

Disability insurance protects both your lifestyle and your earning potential in the case of illness or injury that prevents you from working. If you had Disability Insurance as an Associate, it is important to ensure that your coverage reflects your new income, as Owners typically earn more than Associates. Some Association Disability Insurance plans may not keep up with your income. There are many different options available.

LIFE INSURANCE

Term Insurance is an affordable and practical insurance solution that helps cover the financial needs of your family in the unthinkable event of your death. It is purchased to replace income that would be lost. It is often used to cross-insure you and your partners in a group practice. Term insurance can also assist with estate planning, tax planning and the transfer of wealth to your beneficiaries.

BUY/SELL INSURANCE

A Buy/Sell agreement is a smart business decision to make if you have a practice with one or more partners or shareholders. It will ensure the continuity of your business while financially protecting your family. In the simplest of terms, this is a written agreement that the survivor will purchase the deceased partner’s interest in the practice. Each partner can own an insurance policy on the other partner or the practice itself can own the policy

BUSINESS OVERHEAD EXPENSE INSURANCE

Business Overhead Expense Insurance can be a compliment to Disability Insurance and can be planned in conjunction with each other so you are covered for business related expenses in the event of disability. It will cover the fixed monthly overhead expenses of your business and allow the everyday operations to continue until you are able to return to work or sell your practice.

Investment Solutions

As a business owner, your investment requirements have changed. We will work with you in helping to reduce taxes, improve investment risk management and implement optimal strategies in order to maximize your corporate structure.

We build portfolios based on the science of capital markets and decades of research. A strong belief in markets frees us to think differently about investing. Advances in research and technology inform our investment strategies and keep us responsive to evolving markets and client needs. This includes;

  • Defining your investment objectives and implementing the appropriate asset allocation
  • Creating your Investment Policy Statement and managing your portfolio within its guidelines
  • Monitoring your performance and adjusting your allocations as necessary

Call us today to drive your business forward

retired

RETIRING SOON or RETIRED

Whether approaching retirement or already retired, it is an exciting new time. Your focus has likely shifted to succession planning, maintaining your current lifestyle and leaving a legacy to your loved ones. From advanced tax strategies to changing insurance and investment needs, we can help ensure a smooth transition to this exciting new chapter.

Insurance Solutions

Are you making the transition to full or partial retirement? There are a number of important insurance and risk management decisions to be made that will take into account the potential sale of your practice, tax implications and continued coverage to protect your business and your loved ones. Preparing at least 5 years in advance of retirement can optimize the value of your practice when you sell.

Investment Solutions

You are now earning money and it is our goal to help you grow and protect your wealth. We build portfolios based on the science of capital markets and decades of research. A strong belief in markets frees us to think differently about investing. Advances in research and technology inform our investment strategies and keep us responsive to evolving markets and client needs. This includes;

  • Defining your investment objectives and implementing the appropriate asset allocation
  • Creating your Investment Policy Statement and managing your portfolio within its guidelines
  • Monitoring your performance and adjusting your allocations as necessary

Call us today to get ready for your next adventure